Our Team

Our Team

Holly Gallagher CFP®, CLU®, ChFC®

Founder and President, Horizon Financial

An independent financial advisor in Northern Michigan for more than 25 years, Holly focuses on providing comprehensive retirement planning and ongoing wealth management. Her passion, expertise, and commitment have allowed her to build meaningful long-term relationships with her clients and their families, as well as with their CPAs, attorneys, and other advising professionals.  Because she is independent, her recommendations are truly objective and her loyalty is to her client, not to a product or firm.

Holly has partnered with hundreds of clients since 1992 to help make their financial goals realities. Her clients, in turn, have helped her build her business primarily through referrals. Because she is fee-based, Holly’s cost of doing business is transparent and her recommendations are truly honest. Her professional designations assure that she is held to the highest standards in handling her clients’ assets.


Holly Gallagher is proud to have been recognized as a Business Experience advisor for 2019—a distinction based on annual production that places her among the top 47 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the Registered Investment Adviser–broker/dealer that helps us process investment transactions on your behalf, recognizes Business Experience advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Business Experience advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.

Holly, a Traverse City native, holds a bachelor’s degree in business administration from Central Michigan University and worked for two Fortune 500 companies before opening her own firm in 1999.  She has served clients in financial planning for more than 25 years. She lives on a 100-acre farm with her husband, Doug, and their children, Madison and Douglas. 

Kelly Town

Director of Client Services and Operations

Kelly’s strong attention to detail and ability to prioritize tasks efficiently make her a natural fit for the Horizon Financial team. She has first-hand experience in fulfilling the needs of clients and small business owners through extensive involvement within her family's businesses. Kelly serves as the head of office operations, ensuring the daily operational needs of our practice are running smoothly.

Kelly is a graduate of Liberty University with a degree in business administration – finance. Raised in Traverse City, Kelly’s favorite activity is spending time with her husband and dog on the beautiful Northern Michigan lakes boating and waterskiing.

Thomas D. Ackerson, CPA, CFP®

Wealth Services Assistant

Tom's 25 years of public accounting and consulting experience adds a new dimension to the Horizon Financial team.  As a principal for a regional accounting firm for nine years, he served that firm for nearly 14 years.  Tom has extensive experience providing consulting, accounting, and tax services to professional practices, their owners, and individuals. He is eager to apply his dedication to client service and professional experience to benefit current and future clients of Horizon Financial.

Tom earned his bachelor's of business administration degree in accounting from the University of Miami. Originally from Michigan, he has lived in Traverse City since 2006. If not attending a swim meet or hockey game to watch his kids compete, you might find him riding his motorcycle on the back roads of Leelanau county.